BlastPoint's Banking Scorecard
First Choice Bank
Pontotoc, MS
6 branches across MS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MS.
- Deposits +12.9% year over year ($510.0M on the books).
- Delinquency rate 0.31%.
- Return on assets 0.38%.
- Efficiency ratio 87.16% vs a 64.48% peer average.
- Loan-to-deposit ratio 78.90% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Choice Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.61% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3.3% in tier
- - Return on Assets 0.94% below tier average
- - Net Interest Margin 0.15% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$561.0M
+12.2% YoY
+0.4% QoQ
|
+$174.4M |
$386.6M
+1.2% YoY
|
$2.3B
+4.7% YoY
|
$6.3B
+7.7% YoY
|
77% |
| Total Loans ? |
$402.4M
+19.3% YoY
+9.1% QoQ
|
+$144.1M |
$258.3M
+1.7% YoY
|
$1.6B
+6.5% YoY
|
$3.2B
+9.4% YoY
|
80% |
| Total Deposits ? |
$510.0M
+12.9% YoY
+0.0% QoQ
|
+$183.3M |
$326.7M
+0.7% YoY
|
$1.9B
+4.9% YoY
|
$4.9B
+7.3% YoY
|
81% |
| Return on Assets ? |
0.38%
-56.4% YoY
+260.4% QoQ
|
-0.94% |
1.32%
+10.8% YoY
|
1.27%
+12.8% YoY
|
1.30%
+12.1% YoY
|
Bottom 9.3% in tier |
| Net Interest Margin ? |
3.83%
+2.6% YoY
+2.8% QoQ
|
-0.15% |
3.99%
+5.0% YoY
|
4.02%
+5.6% YoY
|
3.95%
+4.9% YoY
|
44% |
| Efficiency Ratio ? |
87.16%
+26.0% YoY
-19.1% QoQ
|
+22.68% |
64.48%
-3.2% YoY
|
65.83%
-2.8% YoY
|
70.05%
+2.5% YoY
|
Bottom 7.7% in tier |
| Delinquency Rate ? |
0.31%
-32.3% YoY
-60.6% QoQ
|
-0.61% |
0.92%
+15.7% YoY
|
1.03%
+6.0% YoY
|
0.98%
+16.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
78.90%
+5.7% YoY
+9.1% QoQ
|
+0.95% |
77.95%
+1.0% YoY
|
72.48%
+3.6% YoY
|
79.03%
+2.3% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
12.05%
-4.0% YoY
+1.9% QoQ
|
-9.98% |
22.03%
-0.6% YoY
|
22.74%
-2.6% YoY
|
21.98%
-0.6% YoY
|
Bottom 14.7% in tier |
| Nonperforming Asset Ratio ? |
0.36%
+9.4% YoY
-34.4% QoQ
|
-0.31% |
0.67%
+16.4% YoY
|
0.80%
+11.3% YoY
|
0.69%
+15.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
9.52%
-8.3% YoY
-0.3% QoQ
|
-6.38% |
15.91%
+1.4% YoY
|
13.77%
-2.2% YoY
|
17.09%
+0.8% YoY
|
Bottom 5.1% in tier |
| Non-Interest Income / Assets ? |
0.29%
-15.4% YoY
+102.9% QoQ
|
-0.27% |
0.57%
+7.6% YoY
|
0.38%
+2.4% YoY
|
0.66%
+5.2% YoY
|
71% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
12.0%
-0.5pp YoY +0.2pp QoQ |
-10.1pp | 22.1% | 23.1% | 22.2% | 14% |
| Brokered Deposits |
0.2%
-1.8pp QoQ |
-7.7pp | 7.9% | 3.8% | 8.5% | 7% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.5%
-1.9pp YoY -2.0pp QoQ |
-4.0pp | 11.6% | 12.4% | 12.5% | 36% |
| CRE |
46.2%
+4.1pp YoY +3.0pp QoQ |
+6.6pp | 39.5% | 42.3% | 41.4% | 64% |
| 1-4 Family |
37.9%
-2.2pp YoY 0.0pp QoQ |
+5.3pp | 32.6% | 33.1% | 31.3% | 67% |
| Consumer |
5.2%
-0.8pp YoY 0.0pp QoQ |
+1.1pp | 4.1% | 5.6% | 5.0% | 78% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
9.5%
-0.9pp YoY 0.0pp QoQ |
-2.6pp | 12.2% | 11.9% | 12.6% | 22% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.7% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
98
+12 (+14.0%) YoY +5 (+5.4%) QoQ |
+39 | 58 | 297 | 482 | 86% |
| Assets per Employee ($) |
$5.7M
-1.5% YoY -4.7% QoQ |
-$1.8M | $7.5M | $6.2M | $8.8M | 28% |
| Branch Count |
6
+1 (+20.0%) YoY 0 QoQ |
+1 | 4 | 22 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY -0.2pp QoQ |
-0.3pp | 0.3% | 0.3% | 0.4% | 38% |
| Nonaccrual |
0.3%
-0.2pp YoY -0.2pp QoQ |
-0.7pp | 0.9% | 0.9% | 1.0% | 35% |
| Allowance Coverage |
3.20x
+25.2% YoY +126.0% QoQ |
-20.95x | 24.15x | 4.87x | 20.23x | 60% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY +0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 75% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.6%
-6.0pp YoY +7.4pp QoQ |
-7.6pp | 12.2% | 11.7% | 11.6% | 12% |
| Cost of Funds (YTD) |
2.5%
+0.1pp YoY 0.0pp QoQ |
+0.8pp | 1.7% | 1.8% | 1.7% | 90% |
| Net Income ($, YTD) |
$1.0M
-52.3% YoY — QoQ |
-$1.5M | $2.6M | $13.8M | $40.4M | 28% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.